Detected in the CFPB-filed cardholder agreements from Stride Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…unt, call the following toll-free number 1-844-244-6363. YOUR AGREEMENT WITH US NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES TO BE RESOLVED BY WAY OF BINDING ARBITRATION. THE TERMS OF THE ARBITRATION CLAUSE APPEAR AT THE END OF THIS AGREEMENT. This Agreement outlines the terms and conditions governing your use of your…”
“…call the following toll-free number 1-844-244-6363. II. YOUR AGREEMENT WITH US NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES TO BE RESOLVED BY WAY OF BINDING ARBITRATION. THE TERMS OF THE ARBITRATION CLAUSE APPEAR AT THE END OF THIS AGREEMENT. This Agreement outlines the terms and conditions governing your use of your…”
“…u must still pay us all amounts you owe on the Account. You must also return the Card to us or destroy it if we ask you to. Arbitration THE FOLLOWING ARBITRATION PROVISION IS NOT APPLICABLE TO BORROWERS WHO ARE COVERED BORROWERS UNDER THE MILITARY LENDING ACT, AS DEFINED BY 32 C.F.R. ?? 232.3(g). This Section sets forth…”
You can't band together with other cardholders in a class action.
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“…LAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM, OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIM. Arbitration of Claims. Except as expressly provided herein, any claim, dispute or controversy (whether based upon contrac…”
“…M, 26 NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM, OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIM. Arbitration of Claims. Except as expressly provided herein, any claim, dispute or controversy (whether based upon contrac…”
“…nce or owe us. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. Definitions All capitalized terms used in this Agreement and not otherwise defined have the meanings set forth below. Acco…”
You waive your right to have a dispute heard by a jury.
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“…nce or owe us. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. Definitions All capitalized terms used in this Agreement and not otherwise defined have the meanings set forth below. Account means your a…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…ou for opening a credit card account with us. This Agreement, and any future changes to it, is your contract with us and governs your credit card. We reserve the right to amend this Agreement at any time, by adding, deleting, or changing provisions of this Agreement. When required by law, we will send you notice before doing so. If any amendment gives…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~35.99%
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“…will vary with the market based on the Prime Rate. APR for Cash Advances 12.24% to 32.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it 35.99% Applies This APR may be applied to your account if you do any of the following: 1. you do not make any payment when it is due; 2.…”
“…will vary with the market based on the Prime Rate. APR for Cash Advances 12.24% to 35.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When it 35.99% Applies This APR may be applied to your account if you do any of the following: 1. you do not make any payment when it is due; 2.…”
“…ill vary with the market based on the Prime Rate. APR for Cash Advances 12.24% to 35.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it 35.99%% This APR will vary with the market based on the Prime Rate. Applies This APR may be applied to your account if you do any of the…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…, the Agreement, or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. (8) Your Right to Opt Out of Arbitration: You may opt out of this Arbitration provision by sending a written notice to us at: Wilshire Commercial Capital, P.O. Box 76809, Los Angeles, CA…”
“…ith us, each of which shall be enforceable regardless of such invalidity. Consumer Credit Card Agreement (12.25.2025) Page 12 of 14 (8) Your Right to Opt Out of Arbitration: You may opt out of this Arbitration provision by sending a written notice to us at: Wilshire Commercial Capital, P.O. Box 76809, Los Angeles, CA…”
Foreign transaction feeCharged (amount not reported)
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$35
Late fee policy: We may charge you this Fee if we do not receive your payment as instructed on your Statement. This Fee will not exceed the amount permitted by law. We will charge $35 for any late payment, except to the extent the required minimum payment you fail to pay
Rewards, benefits and features
Rewards
Cashback rewards
Services
None reported
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone855-366-0005
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 20.49%$614.70
Annual / periodic fees$0
Total yearly cost$614.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
5 documents filed by Stride Bank, National Association in the 2026 Q1 archive.